Typical student debt- help would be much appreciated.

was in a similar position with cards and overdraft when left uni. took out loan in the end and this has been a really bad idea.

Id curtail spending and work on reducing the overdraft as much as possible, if you get it down a few hundred, then change limit, and itll go slowly. Id pay off small debt just to get rid of it.

are you still at uni? cause could be worth switching to student account for remainder of year - think you get interest free overdraft for up to a year of your leaving date.

Welcome! I think you need to start a spending diary lemonpie! Writing it down makes it real, rather than keeping a tally in your head of what might have gone on the debit card etc. In fact, I'd stop using the debit card altogether!! Work out what you need for a week, or a month, draw it out in cash and don't draw anymore!!! I spent money like water all through uni (HMV sales mostly!) and didn't have a clue where it went, except it went!

Now, I begrudge having to write down that I've spent something when I add it all up and there's nothing to show for it! It's curtailed me somewhat! Get a blank book and write down everything you spend each day for a few weeks to get an idea of where it's going, you'll probably get some good ideas about what to cut out from that. Then realistically work out what you need to have money for, and go for the withdrawing cash thing I mentioned above. Leave the debit card at home! Do you buy lunches? Well, stop doing that and you'll save a packet! Join the Lunch Log challenge that Cassie has set up for some motivation, we all have a tendency to do it cause it's easy, but when you multiply what you spend on it for the year, it's horrifying! Although what's recently motivated me is that if I spend a fiver in tesco, thinking I've had to work for an hour at my job to earn that back. Terrible, there are far better things I could have spent it on!